Table 17. Insurance benefits: Access, participation, and take-up rates,1 State and local government workers, National
Compensation Survey, March 2010

(All workers = 100 percent)

Characteristics

Life insurance

Short-term disability

Long-term disability

Access

Participation

Take-up
rate

Access

Participation

Take-up
rate

Access

Participation

Take-up
rate

All workers

80

78

97

23

23

98

35

33

96

Worker characteristics

Management, professional, and related

81

78

97

22

22

98

37

36

96

Professional and related

80

77

97

20

20

98

37

35

96

Teachers

79

77

97

18

18

99

37

36

97

Primary, secondary, and special education
school teachers

83

82

98

15

15

99

39

38

98

Service

75

72

97

23

22

97

27

26

96

Protective service

84

83

98

23

22

97

27

26

95

Sales and office

81

79

97

26

26

99

34

33

97

Office and administrative support

81

79

97

26

26

99

34

33

97

Natural resources, construction, and maintenance

90

89

99

30

29

99

41

40

98

Production, transportation, and material moving

76

75

99

21

21

100

29

28

96

Full time

90

88

97

25

25

98

39

38

97

Part time

23

22

94

12

11

97

12

11

95

Union

87

85

98

28

27

98

34

33

97

Nonunion

74

72

97

19

19

98

35

34

96

Average wage within the following categories:2

Lowest 25 percent

62

59

96

18

18

99

27

26

96

Lowest 10 percent

46

44

96

13

13

99

19

18

98

Second 25 percent

84

82

98

26

25

98

33

32

96

Third 25 percent

85

84

98

26

26

98

39

38

97

Highest 25 percent

89

86

97

24

24

99

39

38

96

Highest 10 percent

89

86

97

29

29

100

37

36

98

Establishment characteristics

Service-providing industries

80

77

97

23

23

98

34

33

96

Education and health services

80

77

97

20

20

98

36

35

96

Educational services

79

77

97

19

19

99

36

34

96

Elementary and secondary schools

78

77

98

18

18

99

35

34

97

Junior colleges, colleges, and universities

82

77

94

21

20

98

37

34

93

Health care and social assistance

82

80

97

27

25

95

41

40

97

Hospitals

89

85

96

24

24

96

48

47

98

Public administration

82

80

98

28

27

98

31

30

96

1 to 99 workers

64

62

97

21

21

99

33

32

97

1 to 49 workers

61

59

96

23

22

99

28

28

99

50 to 99 workers

69

67

97

18

18

100

40

38

95

100 workers or more

82

80

97

24

23

98

35

34

96

100 to 499 workers

73

71

98

18

17

96

34

33

98

500 workers or more

85

83

97

26

25

99

35

34

96

State government

86

82

95

28

27

97

35

33

94

Local government

78

76

98

22

21

99

35

34

97

Geographic areas

New England

72

69

96

10

10

100

18

17

97

Middle Atlantic

84

84

99

41

40

99

17

16

98

East North Central

78

74

95

23

22

96

51

49

97

West North Central

77

76

99

12

12

100

56

55

99

South Atlantic

84

81

97

26

26

97

43

41

94

East South Central

83

78

94

–

–

–

21

20

96

West South Central

76

74

98

10

9

99

16

15

95

Mountain

83

82

98

23

23

100

62

59

95

Pacific

76

75

99

34

33

100

30

30

99

Footnotes:

1The take-up rate is an estimate of the percentage of workers with access to a plan who participate in the plan, rounded for presentation. See Technical Note for more details.

2The categories are based on the average wage for each occupation surveyed, which may include workers with earnings both above and below the threshold. The average wages are
based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2009." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee
Benefit Terms" at www.bls.gov/ncs/ebs/glossary20092010.htm.